SSS Maternity Benefit Calculator 2026

Quick answer: The SSS maternity benefit in 2026 is 100% of your average daily salary credit (ADSC) for 105 days (120 days for solo parents, 60 days for miscarriage or emergency termination of pregnancy). The maximum is ₱70,000 for a normal or caesarean delivery, ₱80,000 for solo parents and ₱40,000 for miscarriage. You qualify with at least 3 monthly contributions in the 12 months before your semester of contingency.

SSS Maternity Benefit Calculator 2026

Enter your expected (or actual) delivery date and your monthly salary. The calculator finds your qualifying period, your average daily salary credit (ADSC) and your total maternity benefit.

Delivery / contingency date
Type of contingency
Monthly salary in the qualifying period (₱)
Months contributed in the qualifying period

Estimate only, based on the SSS rules for 2026: 100% of ADSC, six highest MSCs ÷ 180, MSC counted up to ₱20,000. SSS computes the final amount from your posted contributions.

How Much Is the SSS Maternity Benefit in 2026?

Monthly Salary Credit	ADSC	105 days (normal / CS)	120 days (solo parent)	60 days (miscarriage)
₱5,000	₱166.67	₱17,500	₱20,000	₱10,000
₱8,000	₱266.67	₱28,000	₱32,000	₱16,000
₱10,000	₱333.33	₱35,000	₱40,000	₱20,000
₱12,000	₱400.00	₱42,000	₱48,000	₱24,000
₱15,000	₱500.00	₱52,500	₱60,000	₱30,000
₱18,000	₱600.00	₱63,000	₱72,000	₱36,000
₱20,000 and above	₱666.67	₱70,000	₱80,000	₱40,000

The table assumes six months of contributions at the same MSC in your qualifying period. Only the part of your MSC up to ₱20,000 counts for benefits; contributions on the portion above ₱20,000 go to your Mandatory Provident Fund (see WISP Plus / MPF).

SSS Maternity Benefit Computation (Step by Step)

Find your semester of contingency. It is the two consecutive quarters ending in the quarter of your delivery. Example: delivery in March 2026 → semester October 2025 – March 2026.
Count back 12 months from the month before that semester. Example: October 2024 – September 2025.
Add your six highest monthly salary credits in those 12 months (each counted up to ₱20,000).
Divide by 180 to get your average daily salary credit (ADSC).
Multiply the ADSC by the number of days: 105, 120 or 60.

Example: Six MSCs of ₱18,000 = ₱108,000 ÷ 180 = ₱600 ADSC × 105 days = ₱63,000.

Who Qualifies for the SSS Maternity Benefit?

Any female SSS member — employed, self-employed, voluntary, OFW or non-working spouse.
At least 3 monthly contributions paid within the 12-month period before the semester of contingency. Contributions paid during or after the semester do not count for that claim.
Granted for every pregnancy, regardless of civil status or how many times you have given birth. Twins or triplets count as one delivery.

Maternity Benefit for Voluntary, Self-Employed and OFW Members

Voluntary, self-employed, OFW and non-working spouse members notify SSS directly through My.SSS, the SSS Mobile App or a self-service terminal, and SSS pays the benefit to their enrolled disbursement account. Make sure your contributions for the qualifying period are paid on time — use our voluntary contribution calculator, self-employed guide or OFW contribution page, and generate a PRN to pay.

Maternity Benefit for Employed Members (Salary Differential)

Employed members notify their employer, who files the maternity notification with SSS. The employer advances the full benefit within 30 days of the leave application and is reimbursed by SSS. Under the Expanded Maternity Leave Law (RA 11210), most employers must also pay the salary differential — the difference between the SSS benefit and your full salary for the leave period. Some small and distressed businesses are exempt.

How to Apply for SSS Maternity Benefit Online

Notify: submit your maternity notification with proof of pregnancy (through your employer, or in My.SSS if you are voluntary, self-employed or OFW).
Enroll a disbursement account in My.SSS (bank or e-wallet) — see our SSS Account guide.
After delivery, file the Maternity Benefit Application in My.SSS.
Upload the requirements: the child’s Certificate of Live Birth (or PSA copy if filed after 6 months); for miscarriage, proof of pregnancy, proof of termination and a medical certificate; for solo parents, a Solo Parent ID.
Wait for payment to your disbursement account. Claims can be filed up to 10 years after the delivery.

Leave Rules to Know

Leave can start before or after delivery, but at least 60 days must be after childbirth.
Up to 7 days can be allocated to the child’s father or an alternate caregiver (not for miscarriage).
Solo parents get an extra 15 days (120 days total).

SSS Maternity Benefit FAQs

How much is the SSS maternity benefit in 2026?

Up to ₱70,000 for normal or caesarean delivery (105 days), ₱80,000 for solo parents (120 days) and ₱40,000 for miscarriage (60 days), based on an ADSC of ₱666.67.

How many contributions do I need for SSS maternity?

At least 3 monthly contributions paid within the 12 months before your semester of contingency.

Can a voluntary member claim SSS maternity benefit?

Yes. Voluntary members qualify on the same rules and file the notification and application directly in My.SSS.

What is the semester of contingency?

It is the two consecutive quarters ending in the quarter of delivery. For a June 2026 delivery, it is January to June 2026, so the qualifying period is January to December 2025.

Does a higher contribution increase the maternity benefit?

Yes, up to an MSC of ₱20,000. Paying above that adds to your Mandatory Provident Fund savings but does not raise the maternity benefit.

Is the SSS maternity benefit given for every pregnancy?

Yes. Under RA 11210 there is no limit on the number of pregnancies; multiple births from one delivery count as one claim.

Related SSS guides and tools

Independent guide, not affiliated with SSS. Based on SSS maternity benefit rules (RA 11210 and RA 11199). Confirm your exact amount in My.SSS or with SSS hotline 1455.